Accept payments, route transactions, and manage payouts across 100+ countries on compliant infrastructure built for serious builders.
Our Partners
Cards, wallets, bank transfers, and 100+ local payment methods across 90+ countries. Adapt automatically to your customer's location and currency.
Route and optimise
98.4
approval rate
Power your platform
Onboard sub-merchants, split payments, manage payouts, and run your marketplace from a single infrastructure layer.
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FAQ
Understand how Ummah powers payments infrastructure, integrations, and global payouts. Here are the most common questions from platforms and developers.
What is Ummah and how does it work?
01
Ummah is global payment infrastructure for platforms, marketplaces, and fintech companies. It provides a single API to accept payments, route transactions, split payouts, and manage sub-merchants across 90+ countries with 100+ payment methods. Ummah is built on institutional-grade acquiring infrastructure and designed for developers who need compliant, scalable payment rails.
How long does it take to integrate Ummah?
02
Most teams go live within a few days. Ummah provides a RESTful API, SDKs for JavaScript, Python, Go, and PHP, a sandbox testing environment, and complete API reference documentation. No lengthy onboarding process or custom development required.
What payment methods and currencies does Ummah support?
03
Ummah supports 100+ payment methods including Visa, Mastercard, American Express, Apple Pay, Google Pay, PayPal, Klarna, and local payment methods across 90+ countries. Multi-currency support is built in. Payment methods adapt automatically based on your customer's location.
Is Ummah PCI compliant and how is payment data secured?
04
Yes. Ummah is PCI DSS v3.2 compliant. All payment data is encrypted end to end and tokenized so sensitive information is never stored in plain text. Continuous fraud monitoring provides real-time risk scoring on every transaction with configurable rules.
Can Ummah handle marketplace and platform payments?
05
Yes. Ummah is built specifically for platforms and marketplaces. You can onboard sub-merchants, automate revenue splits, configure platform fees, manage scheduled settlements, and handle multi-party payments from a single integration.
How does Ummah compare to Stripe and Adyen?
06
Ummah provides global payment infrastructure for platforms and marketplaces with smart routing, split payments, sub-merchant management, and developer-first APIs. Compared to Stripe, Ummah offers lower transaction fees with the same breadth of payment methods and global coverage. Use our pricing calculator below to see exactly how much you save based on your monthly volume. Built on institutional-grade acquiring infrastructure, Ummah is designed for teams that need compliant, global payment rails from day one.
What countries does Ummah support?
07
Ummah supports payment acceptance in 90+ countries across Europe, the Middle East, Africa, Asia Pacific, and the Americas. Local payment methods and currency conversion are handled at the infrastructure layer so you do not need separate integrations per region.
Does Ummah support recurring payments and subscriptions?
08
Yes. Ummah supports recurring billing, subscription payments, and tokenized card storage so returning customers can be charged without re-entering payment details. All recurring flows are PCI compliant by default.
How do I get started with Ummah?
09
Sign up for a free account to access the sandbox environment and API documentation. Test your integration, then go live when ready. No contracts or commitments required on the Standard plan. For Custom plans, contact sales for a tailored onboarding.
Developer-First
Clean, versioned APIs with complete documentation and SDKs for JavaScript, Python, Go, and PHP, built for teams that ship fast on reliable payment infrastructure.
Local payment methods, currency conversion, and cross-border compliance handled at the infrastructure layer. You focus on building. We handle the rails.
